Simplify

Everything should be made as simple as possible, but not simpler.
-- Albert Einstein

Henry David Thoreau went out to "live deliberately" by a pond. I'm not going to suggest that we all do that, but we could all simplify our lives a great deal by cutting back in a few places. While Thoreau was at Walden Pond he kept track of all of his expenses as well as income from selling what he grew and found in the wild. Try writing down every penny you spend. Soon you'll realize the unecessary expenses you're racking up and be able to see where you can trim the spending and start saving.

Saving tip of the day: Declutter your life. When you do your spring cleaning this year go through your closets and box up what you don't need anymore. Have a yard sale or donate what is still usable to the Salvation Army or charity of your choice. Your donation is tax deductible and the free space you now have will free up your mind and improve your quality of life.