18 ways to save those extra 100 dollars or more a month.

1. First rule - when you get your paycheck; take the first 10% for yourself.

2. It is said that if you put your change money, every time you purchase something and you get the coins back, you can save on average $30 a month.

3. Buy wholesale not retail.

4. Never buy on an impulse. Buy with a list.

5. Take a part time job that can generate those extra $100 or $200 a month.

6. Rent - donêt buy. From movies to equipment.

7. Make garage sales.

8. Re-examine your eating-out habits. Eat in.

9. Avoid unnecessary bank charges or late payments.

10. Avoid credit card debt — which one of the worst loans existed. If you have too many try to consolidate your bills.

11. Major CEOs say that if you take any company at any time you can save 10% of their expenses. Take a look at your expenses — you can save 10% as well.

12. Use coupons.

13. Keep an eye on rates that you pay for insurance: cars, home, health keep looking, there are often better services for less.

14. Just look around, do a brainstorming with your family, youêll come up with great ideas.

15. Pump gas yourself — donêt use full service.

16. Slash your utility bills:

a. Shut lights off when you step out the room.

b. Donêt waste water and gas.

c. Cut your long distance long talks — look for discount services.

17. Triple-check your taxes.

18. Consolidate your debts into one monthly payment.