In today's society, it is increasingly difficult to save more money and reduce excess spending. While it is true that some spending is outside of our control and includes life's necessities, all too often people spend their hard-earned money needlessly and indeed whimsically. It is human nature to not be content with what you have, and this can be seen dramatically in this growing culture of commercialism. No matter how much you earn, it never seems as though you have enough; especially when you take note of the novel and intriguing items at your local department store.

When you are on a tight budget or fixed income, there are seemingly countless temptations to spend more than you actually have, further increasing your debt. This is especially true when you take the rather humorous maxim into account: "The less money you have, the more you need to buy." The urge to buy what you don't actually need, but what is most likely nothing more than a fleeting desire should be curbed as much as possible so as to avoid depleting your bank account and causing undue grief later, when you learn that such items as those novelty-sized sunglasses aren't nearly as impossible to live without as you first thought.

There are a few things you can do to limit excess spending to a minimum. One of the easiest and most productive steps you can take is to leave your credit cards at home when going out to the mall, making sure that you have enough to cover your needs in advance before charging it and hoping you can pay later. It is much easier on your conscience to hand the cashier a credit card and forget about the purchase than it is to give cash, especially if it has been difficult for you to obtain in advance. This will ensure that you won't go over your budget on impulse or because of the latest fads and trends. Another step you can take is to save a portion of your money toward the future, keeping the rest to cover for your essential needs and the remainder being kept as regular spending money. This may be frustrating at first, but it quickly yields results and is one of the most useful ways to save more money.

Some have compared shopping to other forms of addictions, and in many cases this is all too true. Just as they have to abstain from their vices and keep away from indulging their habits, so do those who are "addicted," whether figuratively or literally, to shopping. Only then can they truly overcome the source of their hardship, and live a better life without this extreme behavior. Shopping, as in all things needs to be moderated; in this way, it is prevented from becoming a vice and a stumbling block in your financial life, and you can responsibly enjoy the due rewards for your hard work without added hassle and stress.

A Penny Saved is a Penny Earned

Everyone knows how difficult it is to amass a large amount of wealth, especially if you are forced to live on a budget. However, you shouldn't lose hope; the key to building wealth is to collect smaller sums of money from your daily savings toward future use.

This method is probably one of the simplest and most overlooked ways to save money, and all it requires on your part is a piggy bank; or, if this doesn't appeal to you, a simple container or mason jar. Instead of discarding or more probably losing your loose change from your daily transactions, deposit it in your desired container. Even if it's only a few cents on a dollar, it is still money that you will be able to use later.

The proverb, "A penny saved is a penny earned," is most certainly true, especially in these difficult times. After all, would you leave money just laying around in your purses, pockets, couches, and other places around your house, unused and uncounted? After a few months, you'd be surprised how much you can potentially save in such a seemingly unimportant way. After a year, you'll wonder why you ever thought that loose change was less worthy than its paper counterpart. Though the amount may vary from person to person, even if you're able to save enough money for one or two extra items at the end of the year, the extra saving on your part was worth it. Just remember: saving doesn't cost you a thing. Not saving certainly does.

In a tight situation, you can't afford to let any type of income go to waste; not even a few coins. This method will help you save and consolidate this portion of your income, and unlike other types of banks, your piggy bank doesn’t charge interest or minimum balance fees.

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