1. Smart Ways To Save MoneyCreator : Paul

2. Safeguard Your Financial Future Start Saving Today! Do you wish to safeguard your financial future? Are you searching for tips on saving money & don't know where to begin. Just have a quick read and get some easy money saving ideas that can make some difference. Image Source: Images_of_Money License 3. Set a budget & Plan your every move Setting a budget will help you to save substantial money as you can keep a close tab on your spending habits and modify them according to the money available. Here is an article that can help:What are the quickest ways to save money? Image Source: By Tax Credits License 4. Cut the costs of your Energy Bills The cost of electricity and gas bills can be optimised by taking some simple steps of making the home energy efficient before the winter. Visit this link to find out how you can make that happen. Image Source: User:Lcarsdata CCBY-SA-2.5 GFDL or CC-BYSA-3.0 via Wikimedia Commons 5. Maintain a healthy balance between your income & expenses The ideal way to avoid debt to maintain a healthy balance between your income & expenses. Start your own spending dairy to evaluate your spending methods.Image Source: By stockmonkeys.com - License 6. Managing your credit cards wisely Credit Cards can be of great help during monetary emergencies. If not managed correctly can lead you down the road of debt. Click here to learn how you can avoid these circumstances. If in debt this article might help. Image Source: By U.S. Navy photo by Mass Communication Specialist 2nd Class LaTunya Howard via Wikimedia Commons 7. Try to plan your vacation on a budget Everyone needs a break from their daily routine to rejuvenate and get your groove back. If planned wisely you can not only save money but get some of the best deals available in the market. Read this article on how you can get started. Image Source: By - Legis (talk contribs).Legis at en.wikipedia from Wikimedia Commons 8. Emergency Savings - Why Do you need Cash Reserve? You always need to be prepared for sudden and emergency expenses. They best way out of this is saving a portion of your income just for emergencies as those little emergencies can cost a fortune. Learn about how you manage your money for an expensive emergency. Image Source: By takeasmartstep.com - License 9. Track your credit score ratings. Manage your credit facilities efficiently. Avoid late payment of bills good credit report will impact your credit score positively and vice versa. Learn more about the basics of credit score here Image Source: By 401(K) 2013 License 10. Invest Your Money Wisely Manage your money effectively to avoid financial horrors. There are a number of ways in which your can invest your hard earned money for a decent return on your investment. These tips might guide you in the right direction if you are planning to invest your money. Top ways to invest money Image Source: By 401(K) 2013 License 11. Plan Your RetirementHave you started saving for your retirement? As financial security after retirement but that just doesn't happen as it needs proper planning, commitment and efficient money management. Find out more about how you can enjoy financial independence after your retire. Image Source: By 401(K) 2013 License