Feel strapped for cash? Do you live paycheck to paycheck? Most people spend more than they need to and don’t manage their money like they should.

Through simple money management and a little creativity you can have more money, and do it easier than you thought possible!

Here are some simple ways to increase your cash flow and savings:

Get More Money:

Ask for a raise

Work a few extra hours at your day job

Have a garage sale or sell items you don’t use on ebay

Get free unclaimed money

Increase Your Savings:

Create an automatic deposit to your savings account

Divert your raise into your savings account

Don’t consider your savings account or emergency fund part of your spending money and keep it hidden.

Empty your pocket change into a jar every night then bring your coin jar to the bank every month.

Cut Your Spending:

Skip coffee at the coffee shop each morning

Downgrade cell phone service plan to what you NEED

Bring your own lunch to the office, even if you only do it 2 or 3 times a week

Drink water rather than soda when you’re dining out.

Switch to store brand food items.

Call the cable company and downgrade or cancel your service or agree to a better deal

Cancel subscriptions or memberships you don’t use.

Call your insurance provider and ask for an updated quote and shop around for a new insurance provider.

Make Better Financial Decisions:

Always know how much you have in the bank so your accounts will never be overdrawn.

Delay traveling and going out on the town until your finances are in order

Stop using credit cards and creating more debt

Make your payments on time and avoid damaging your credit and incurring late fees and penalties

Keep track of your accounts and assets. Letting them slip your mind may result in your money ending up as “unclaimed money”

Armed with these simple changes to your saving and spending habits you can change your financial situation in no time!