"The best investment you can make is in yourself." -Warren Buffett, Multi-Billionaire Investor
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Here are 3 things that you need to do today to save hundreds if not thousands of dollars this year.

You can thank me later by becoming a sponsor with a little bit of your savings if this was helpful!

1.  Review Your Monthly Bills

For most people, monthly bills are the bulk of the expenses.  Have you taken a good look at yours lately and asked for a better rate or stopped subscriptions to things you aren't using?

Cable, phone, and utility companies are billion dollar companies because most people never stop and look at this regularly.  Most people just get the bill and pay it, they don't go through it with a fine tooth comb or call and ask for a better rate.

Did you realize that if you save just $20 each month that adds up to $1,200 in 5 years?

That's money in your pocket!  Taking a few minutes to do this can save you thousands every year!

Here's an article describing exactly how I saved $600 over 2 years on my cable bill

2.  Make a Plan

Are you planning where you want your money to go each month or are you just wondering “Where did all my money go?” at the end of the month?

Can I be perfectly honest with you for a moment?  If you are not yet on a budget, you are not being responsible with your money.  You are losing literally thousands of dollars without even thinking about it!!!  Do you even know where all that money you made last month went?  It's time to step it up if you ever want to break out of living paycheck to paycheck.  And yes, it can be done, I know many people who are completely debt free including their houses that do not make a ton of money.

I know a number of millionaires personally, and most of them still plan out what they do with their money each month.  That's part of how they became millionaires.  I know it isn't fun, but if you want to be in control of where your money goes, you MUST plan it out!

If you aren't yet on a budget, our affiliate partners listed below will make this super easy for you.  I guarantee you that if you are not already consistently budgeting, you will save thousands if you invest a little bit now in setting yourself up right to do this.

Ready to take control of your finances?  Take these two steps!

Go through one of these two courses:
Adam Hagerman's Budgeting for Budget Hater's Course
Dave Ramsey's Financial Peace University

Then get this software (free trial):
You Need a Budget (YNAB)

3. Look at Your Housing & Vehicles

My bet is that if you are like most people, you could easily save tens of thousands of dollars on your housing & vehicle if you chose to.  What could you do with that kind of money?

Could you get by on an older yet still reliable vehicle or smaller house?

It is an emotional thing I know to consider changing vehicles or houses, but I challenge you to put a pencil to the numbers and really think hard about it.  This is one of the biggest but most commonly ignored areas of savings, make sure you're making a logical choice on it.

Bonus #4 – Sign Up for a Free Account at The Personal Growth Channel to Get Exclusive Discounts!

I hope you'll take these tips to heart.  Happy saving!

Don Smith

Don Smith is a business coach with decades of experience. Happily married with five children, he lives in Springfield, Illinois. To work with Don, please click here.