What is the most efficient way to save money?

So much things to buy, so little money to spend. I face this problem every month. Need to save but don't know how.|||less expenditure|||Try to spend less money. Have some money direct deposited into a savings account so you don't have to touch that money. Create a budget for yourself. There are plenty of websites that help you create a budget just do a search on the web.|||everytime you get change back from shoppin (change meaning quarters nickels dimes pennies) throw them in the bottom of your purse or in a change jar if you a guy %26amp; at the end of the week throw all that change from the bottom of your purse in to a savings jar.|||Have a little more than is required deducted for taxes. Then at the end of the year, your refund will be huge. Unfortunately, this money won't yield any interest. A credit union savings account does give you interest, but you have to make regular deposits and try not to ever withdraw any. I can deposit money directly into my credit union account from my checking account on the Internet. It's free and I don't have to waste gas to do it.|||Why do you have the need to buy things all the time. You cant spend and save at the same time. 'Saving' means not spending, unless you have to; bills, rent, loans etc. Pay what you have to pay and dont touch the rest. If you still cant save, you need a better paying job.|||You could start by having a small amount taken out of your paycheck each pay period and putting it into savings. We have payroll deduction at work; so with the amount going into savings-what you don't see, you don't miss.


As far as purchases, try clipping coupons, shopping at discount stores, Dollar stores etc.


But probably the best advise is what my mom gave us "If you don't need it-don't buy it"!|||Pay yourself FIRST! Decide on a precentage of your earnings each pay period, take it out and put it in a savings account - preferably in a bank or account that you would have to travel a distance to access. I recently attended a fabulous seminar given by Richard Paul Evans (the author of "The Christmas Box"). He's written a new book about money and its accumulation called "The Five Keys" and it has incredible information. Get a copy and follow it's principles - you'll have more than you ever dreamed possible, and it will give you such a feeling of finally controlling your money instead of having it control you.|||Put your savings into a bank account that you vow to yourself to not touch unless there is a true emergency such as car breaking down or unexpected health issue.|||Certainly by paying yourself first. Decide how much that is going to be and start a savings account, get the best interest rate and watch your money grow. The same with expenses. Decide how much you have to spend and work with that amount, You can eat at home, which much less expensive that eating out.You can postpone buying many things, and only getting the ones that are absolutely necessary. For this you need to find the difference of what you need, and what you want,to buy. You will be on your way to saving in no time at all.