by Amber Benge

Created on: November 04, 2008   Last Updated: February 19, 2010

As the economy struggles, everyone is looking for ways to save money. Grocery prices are rising and even mass retail chains are raising their prices. Lay-offs abound and unemployment leaves many people scrambling to make ends meet. When a family needs to cut their expenses, there are some easy changes that make a difference. Follow these simple tips to save 10 to 20 percent on every purchase you make.

1. Never Shop Without A List.

Never. This means that you are not allowed to swing by the supermarket on your way home from work. You can't just run in and grab a loaf of bread or a gallon of milk. You will plan your grocery trips each week. If you have to go back for something mid-week, you will write down what you need and take the list with you even if the only item on the list is bread.

Shopping without a list is like aiming a loaded gun at your half-price goal. You will quickly find yourself thinking, "The cereal is on sale! I have to get it today, even though I know I have a coupon for cereal at home." You will see some irresistible boots on clearance that you just can't pass up.

You will think you are dying of thirst and want one of those $1.39 sodas in the check out line. These 20 ounce sodas are half the size of a two liter, which usually cost 99 cent. You are paying 40 cent more for half the amount of soda just because it's cold and convenient.

Impulse buys always happen when you shop without a list. Even the strongest shopper will fail without a list. This simple tip is non-negotiable. You will ALWAYS have a list.

I know what you are thinking. Lists take too much time to make. I don't want to stop and take a whole kitchen inventory every time I go to the grocery store. That will take way too much time!

There is an easy solution to this dilemma. You will make one list of all the items you buy on a regular basis. Look through your cabinets, freezer, and refrigerator and write down everything you buy. Then edit your list by the order you find each item in the grocery store.

Be sure to include non-food items like toilet paper, soap, detergents, cosmetics, pet food, and other products you buy while shopping.

Once you have compiled this master list, you can make copies to always keep on hand. Post a copy on the fridge or somewhere easily accessible. Then when you run out of any item, you can just check it on the list. When grocery day comes, your list is ready and waiting.

2. Never Shop On An Empty Stomach.

It never fails. If I am hungry when I go to the grocery

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