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Money can be saved and used wisely by following your goal, and stickling with the goal, until your reach your finish line. Too often a goal is set to save money, and then progress is made, and then something happens and the goal is delayed, and then the goal is forgotten, and then terminated. Become a good goal setter and finish it.

The recession of 2008 into 2009 has changed the way people view their spending, and the way money is spent. Smart financial managers are now looking at their financial health in a different, more meaningful way, to cut back on their credit card use, and credit purchases in general, and save more money to prepare themselves, when another financial recession appears again. You can do the same. I will offer you some tips to save extra cash, while shopping wisely.

Use cash or debit card.

*By using cash, your money, will last longer, you look at it, feel it, before you send it. Take less cash, when you shop, and when your find yourself out of cash, stop shopping for the day. Use a debit card, this is like paying in cash, your debit card balance reflects the amount you have in your checking account. You can get a debit card at your local bank, use this at the grocery store for food shopping, and other regular weekly expenses. Avoid using credit cards for excessive normal expenses, because if you are paying only the minimum payments monthly, you will never get the credit card paid off. Don't have too much taken from your weekly pay check?

Be willing to change your W-2.

*Do you get a large refund on your income tax? You might not be taking too few dependent allowances, and you are giving Uncle Sam your money to use for one full year before you get your tax refund. Go to your human resources office, and ask for a W-2 form to increase you dependents, and then your weekly pay check will be larger, so you can pay your monthly bills easier, and save some of it for a home, or invest in your retirement such as a 40l(k), or your retirement savings.

Pay off your credit cards.

*Too much plastic in your wallet can hurt your financial life. You Can you pay off those high interest rate cards, so you can use those weekly payment savings into additional savings. The average American consumer, has 7-8 credit cards, and over 9 thousand dollars in credit card debt, and by only paying the minimum payment each month, it will take years to pay those credit cards off. Let's face it, you must cut your credit cards limit, to only one card, and also set up a emergency

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