By far, this is one of the biggest areas I see where improvements can be made when I am working with people on their finances. If you are not currently using a monthly, written budget, you really owe it to yourself to use the forms provided on the Resources Page and read You, Inc. These two links will assist you with finding money by identifying areas where spending is out of control and areas where you can eliminate convenience spending all together. A budget, when properly done, will tell your money where to go – not where it went. I continue to save money based on previous actions I took on Health Care Expenses, and Food.