Keep Score
With a seemingly endless list of errands, it’s easy to lose track of just how much money you spend. Sue and Brett Heinz have a few tips. The first: Keep track of receipts and review them on a regular basis. Prioritize spending habits and distinguish “needs” and “wants” by keeping a journal. Also, eliminate all but one credit card and switch to a debit card with rewards points.

QUESTION: How are you cutting costs in your life? Do you have suggestions on how to stay on a budget in these tough economic times?