Friends, when you are trimming your budget look for things that you can learn to do without. It is amazing how little things can add up to a substantial amount of money. Things that are necessity for one may be a luxury for another. If you are ready to make adjustments to your spending, here are some ideas on where to begin.

Take your lunch to work instead of eating out everyday. That will save you anywhere between $5.00 to $10.00 per day. If you do eat out, order water with lemon instead of a carbonated beverage. Drinks usually cost around $2.00. That is $10.00 per week if you eat out Monday through Friday.

Take a thermos of coffee to work instead of stopping for a morning latte. If you order a gourmet coffee it can cost in the ball park of $5.00. That will add up to $100.00 each month. Ask yourself if it is worth it.

Dry cleaning gets quite pricey. Only take the items that absolutely must be dry cleaned to the cleaners. These are just a few of the little changes you can make that add up to quite a bit of savings. For now, happy shopping!

Laurie, TheBAG Lady Sunny 95 Savvy Shopper