http://www.wikihow.com/Save-Money

The How to Save Money webpage does bring forth many good points. I'll review (add my opinion) here.

Setting goals: My personal goal (for starters) is to have 3 months of living expenses stashed aside (approx. $4500) and money for vacation (approx $1000). I have failed in coming up with a time frame because I'm not saving money all that fast - I'm just getting started and am like the tortoise, slow but steady. Right now I am having $20 taken out of my checking account 1 day after my paycheck is directly deposited. That's $10 a week or $40 a month. Yes, it's small but its a start and helping me develop a habit all the while teaching me not to see that money and get used to the fact that I don't need that money. I plan to increase that to $30 each paycheck next month and hold steady til I feel comfortable and raise it again.

Keeping a record: This is something I've always thought about doing but never did. I'm gonna attempt again. Starting next pay day I'm gonna attempt to keep track of everything I spend and save receipts. If I can't get a receipt I'm not gonna buy it *IE: No drinks from the soda machine* and I think that one little rule will help 2 ways: 1. saving; 2. tracking spending.

Trimming Expenses: The webpage lists these ideas for trimming: (My comments in green)
* Can you move to a less expensive apartment or house? Can you refinance your mortgage? Moving to a less expensive place to rent has expenses too - don't forget about that. Security deposits for place, electric, phone, cable, etc. Now, if you are moving locally instead of the utility security deposits again you may just get slapped with "transfer fees" instead. Moving truck? Bribing a friend? Gas for your own truck? Do I need to list more examples? Refinancing your home's mortgage has it's up's and down's and you'll need to talk to a financial adviser or ask your lender a bunch of questions, just one thought to remember: Interested added the the principle of the first loan has now become the principle of the second (refinanced) loan and theoretically you will be paying interest on the interest. Make sure you are getting a good deal and really will be saving money. This idea is good for trimming expenses, just do the math first.
* Can you consolidate your debts so that you're not paying as much interest? I did this by calling my credit card company - asking for a lower rate and asking about transferring balances and had gotten a new card with the same company for 0% apr for 1year and then transferred my higher balances to this new card. This only works if you have self control over credit cards.
* Can you save money on gas, or give up a car altogether? If your family has multiple cars, can you bring it down to one? This is a great tip. Gather all your "trips to the store" in one time frame. Stop by on your way home as opposed to getting out and making a special trip. Is it possible to walk or ride a bike to work? Saving money and free exercise - can't beat that! I can't walk or ride to work because my job can require me to use my car in less than a moments notice, but if I could... I would.
* Can you get a better price on insurance? Call around and make sure you are getting the best price you can. Consider taking a higher deductible, too. I agree with the calling around thing but also look at your current insurance agent. If you've been there a while let them know that you short on cash and need the best discount they can give you. Especially for car insurance; anti theft, anti lock brakes, anticipated mileage, drivers, ages, defensive driving courses...etc etc.
* Can you drop a land line and only use your cell phone? Since I've lived on my own I have never had a landline - only a cell phone.
* Can you live without cable or satellite TV? I don't even own a TV. (not intentionally though) I do plan to buy a TV and a cheap cable or satellite package just so I can watch basic tv and channel surf some. Not home long enough to fully watch tv but for me it would be nice to have just a little of that and it would be bundled with my internet service so the bills would be mildily discounted due to the bundle.
* Can you cut down on your utility bills? This is hard! I'm spoiled with heat and air. I have brought my electric bill from nearly $200 to $100. Last month was $145 but we had a few days of extreme cold.
* Can you restrict eating out? Buy food in bulk? Cook more at home? You might be able to save a lot of money on food. That's hard! Working 10-15 hours days every day, 7 days a week, and maybe 2 days off a month. I don't wanna cook then!!! Working on it.