SAVE SOME MONEY

***THREE SEMI-PAINLESS WAYS TO SAVE MONEY***

Times are so tough, some parents have started potty training their kids EARLY . . . just so they don't have to buy so many DIAPERS.

But there are lots of ways to cut your budget, and some are better than others.

Here are three fairly painless ones . . .

#1.) HAVE A "NO-SPEND DAY". That doesn't mean you can't buy gas or milk if you really NEED to. But if you just LABEL your day as a "no-spend day" you'll tend to be more careful about how much money you DO spend . . . AND what you spend it on.

#2.) CHANGE YOUR MIND. Before your buy something, ask yourself if you REALLY need it. If you don't, then put it back. Making small changes to the way you spend will make your feel good about yourself. And it will save you a lot of money.

#3.) DON'T LET YOURSELF GET TEMPTED. Make a list of reasons you spend money. If certain catalogs tempt you to spend, throw them away. If you can't keep yourself from overspending at your favorite store, then don't go there.

-And if QVC is your Achilles heal, then use the parental controls on your TV to block it.

Once you identify the things that tempt you to spend . . . and avoid them . . . you'll notice your credit card bills going down, and your checking account balance going up. (Yahoo.com)