Tips on curbing everyday spending

By The Associated Press

Tools

By Beth Boehne

Tips on how to find savings in everyday spending habits:

—Use cash instead of credit cards. You'll be more aware of how much you're spending.

—Don't be afraid to buy second-hand goods. Used books, clothes and accessories can often be found online in good condition at a fraction of the retail price.

—Check cable, cell phone and banking statements for any services you may not need or even know you have.

—Shop around for better rates when your cell phone contract is up.

—Go online to comparison sites before making any big purchases.

—Learn to cook and rely less on eating out. Eating just a few extra meals a week at home can add up to significant savings over time.

—Try activities that don't cost money; hiking, card game nights, borrowing movies from the library, etc.

—Take your own snack/lunch to work.

Source: Financial planners Laurie Hensley and Sheryl Garrett.

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