Many people have a hard time saving money. There are simple ways to start.

The first step is to calculate how much you spend on a monthly basis. This includes everything from rent to food. Once you have a good idea of how much you spend, use a spreadsheet or a free online spending tracker to keep track. You will then be in a better position to make savings decisions.
One of the best ways to save is to cut back on impulse purchases. For example, you may want to stop eating out at least once a week. Another great way to save is to cook more meals at home. If you want to save more money on your next purchase, use the DoBargain Coupons.
Keeping a shopping list is also a good way to save. You can avoid buying unnecessary items like paper towels. Instead of going to the store to buy a box of cereal, you can make breakfast at home.
A more efficient method would be to purchase items at a second hand store. These items can often be discounted. Also, you can save on energy by turning off lights when not in use.
Another good idea is to set up an automated savings plan. This means that your paycheck will be automatically transferred into a savings account. You can choose to transfer the exact amount you want, or you can spread it out over a couple weeks.
If you need help figuring out your budget, check out the online tools available at Heritage Bank. They have a wide range of financial products.