Millions of people have a substantial amount of credit card debt. I was lucky enough to get the following tip from my parents who paid off all of their credit cards in less than one year with this strategy! You may not realize it, but you probably accumulate at least one hundred dollars in spare change every month. Use that change solely for the purpose of paying off credit cards. At the end of the month, send the credit card companies a check for the amount of the change you have collected in addition to your monthly payment. It can become a game; I even pick up change off the ground!

If you’re looking to save some cash on your hotel bill, try paying before you go. Some hotels, including some Marriot Hotels offer discounts of up to 50% if you pay two to three weeks in advance. It’s called an Advance Purchase Rate and it can save you money!

Every time you get paid set ten percent aside in savings. If you get shorted on your pay check or get laid off all you need to do is transfer the money.

Buying new furniture is a sure way to take a bite out of your savings account, but it doesn’t have to be that bad. Here are a few ways you can save while furnishing your home:
Buy furniture from a furniture rental store- Furniture rental outlets often have retail shops where they’ll sell their slightly used furniture at clearance prices.
Buy furniture from a model home- Brand new furniture at clearance prices from model home builders Look under Homes in the yellow pages.
Buy directly from the manufacturer- If you know what you want try dropping into the manufacturer’s outlet or give them a call and order directly from them. It cuts out all the middlemen which lower prices.