Need help saving

[Libby]

OK, here goes...

For banking and financial basics, try handsonbanking.org.

To save money, start by packing your own lunch to work and bringing your own coffee. Fast food and Starbucks will make your money disappear. If you are working lots of hours or more than one job, it's especially important to plan ahead, because otherwise you'll end up grabbing something on the go.

If you are living with your girlfriend's family, you may not be doing your own grocery shopping and cooking, but if you are, then learn some meal planning and couponing skills. The coupon websites I use regularly are TrueCouponing.com (this one has a Christian approach, but frankly I just ignore it and the site has very good guides for how to start saving when shopping) and CouponMom.com (you have to sign up and get some spam in your inbox, but the match ups are more extensive/accurate.) Don't pay for a coupon/deal match website, there are plenty of free ones.

You don't have to go all extreme couponing like the TV shows, either, just become aware of what's in season and on sale and plan accordingly. Even if you don't coupon at all, just checking the circulars and picking up 3 or 4 shampoos/deodorants/razors when they are buy one/get one free will add up quickly.

I gave up soda this year, and started carting a bottle of water around with me that I fill up at home, so I'm not buying bottled water when I'm out. If you are drinking soda, then pick it up sale at the grocery store or in bulk at a Sam's Club or Costco, then keep some in a cooler in your car.

The most important thing is to PLAN AHEAD. When you shop, make a list and stick to it. No impulse purchases and STICK TO THE LIST.

You've already made a good start by writing down some of your larger expenses and evaluating whether they are wants or needs, just start keeping track of the smaller ones, too, and you should start to feel more in control of your budget.

I wish I had started paying more attention to this kind of thing when I was younger. Sounds like your girlfriend has a good head on her shoulders and is trying to point you in the right direction. Good luck to both of you!