Simple Tips to Save More Money

• Check out what you earn by the hour. If you're a regular employee, just divide your monthly gross income to he number of work days per month. Then divide that by eight hours, the usual work day. That's how much you earn per hour. Keep that in mind next time you want to splurge.

• For those who have cars, check the cheapest gas prices in your area. Gas prices may vary that much by as much as 20 percent within a few blocks and can change frequently, so check them out.

• Buy groceries once a month or every payday instead of every week. Minimize your visit to the groceries so you don't get tempted to buy more items than you need. And make sure you have a grocery list while you're at it.

• Use the Internet for free text messages and calls. If you have Internet access, send text messages for free, even abroad, through chikka.com. If you have relatives abroad, use the many free messenger systems to chat or webcam such as Yahoo Messenger, Windows Live Messenger, Google Talk, etc. Or use a budget card if you want to use a phone. That will save you half compared to regular landline rates.