Money saving experts are created, not born.
Saving money does not come easy to most of us, but money saving tricks can be learned by all of us.
We have all heard the famous "money saving experts" on television and radio, and business is booming for them. If you learn how to budget your money, you will see that they are right on target (most of the time).
Don't know how? That part is easy. Start by befriending a financial guru, and happily label yourself a "dollar stretcher". How? Start by reading some of those books by those famous financial planners and visiting online money saving websites. Becoming an expert at saving money is gratifying on many levels. Most importantly, check out this page on strategies to save money. Start by changing your mindset. Most people go into this project thinking that they are stretched to the max already, that they can not truly fix money problems that they have. Chin up, my friend, there is money to be found in your household budget! As you have been told elsewhere on this site, make sure you have a realistic grasp on your family finances.
The income / outgoing budget worksheet is the foundation of your plan. Check carefully for money saving opportunities. They are there. Sure they are small, but small adds up eventually. Then, start using some money saving tricks and STAY ON A BUDGET. Claim small victories over your money problems, one dollar at a time.
After reading up on all the budget help available on the Internet, you can start taking an advanced approach to your future finances.