Yes. You are feeling the economic crunch. Times are hard and you are finding it even harder to make both ends meet with the rising costs of basic necessities and the fact that you lost one of the part-time jobs that you are holding. By the time the mortgage, car, utilities, and credit cards are paid, there is little money left to put aside.

Although it looks like a pretty daunting task, finding ways to save money is not impossible to do and once you get the hang of it and establish a routine, its not really so hard. In fact, as you become use to cutting down costs, youll even ask yourself why you just did it this year.

Thank God for the recession right? I guess, if there is anything good that the recession has taught people all over the world is that no country is impervious and that saving money is not that hard, just a matter of learning all the different options and being creative.

Your bank account wont be built in a day but each penny saved is one more penny than you had before. If you have the ability to save big, that is great. However, If you are not in that position, this e-book will show you how little savings can add up quickly.

Be encouraged that it is never too late to start saving, regardless of your age. Set your mind that now is the time to save more and spend less.