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With today's fast paced lifestyle and sagging economy, we can all use tips to save money and time. The following ideas are easy to incorporate into your family or work routine.

When making a grocery list, go through your pantry and fridge and make a complete list so you don't have to make extra trips to the store for something you forgot. Look through sale ads and stock up on sale items. Clip coupons and remember to take them with you. Never go to the grocery store when you are hungry because you will usually spend more money on things you wouldn't normally buy. Do some comparison shopping online at the stores in your area, but make sure the cost savings outweigh the cost of gas and time if you go to multiple stores just to save a few dollars.

Try on clothes before you buy them to save money on gas having to drive back to the store for an exchange or return of an item.

Shutting down email and IM programs can help you save time by allowing you to focus on the task at hand. It's too tempting to read an email from a friend or respond to a chat on IM if you have easy access to the programs.

If your phone service doesn't come with caller ID, invest in it. You can avoid telemarketers and long winded conversations by knowing ahead of time who is on the other end of the line when the phone rings.

Pick out clothes for work or school the night before, and stick with your choice the next morning. Don't just stop with the clothing, though. Go ahead and pick out your accessories too. Hair ties, jewelry, scarfs, handbags can cause wasted time digging through drawers or closets to find the perfect match to your outfit.

Organize your desk and office area so you can quickly find what you need (pens, notepads, paper clips). This will allow you to use your time more effectively.

If you can afford it, invest in Tivo or a similar digital recording device for your TV. Tivo is a great time saver because you can fast forward through commercials and record shows to watch at a later date and time when it's convenient for you.

For the ladies, organizing your makeup drawer can save a lot of time. Get caddies or drawer dividers and separate items by category. Put all lotion/facial cleanser/face toners in a compartment, eyeshadow/eyeliner/mascara in another compartment, lip liners/lipsticks/lip gloss in another compartment, and blush/foundation in another compartment.

When running errands, map your route either on paper or in your head of where you want to go and try not to backtrack. This will

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