Money isn’t always the most pleasant thing to deal with. Sometimes, it seems as if your money flies out of your wallet to pay for extra expenses. No matter what your situation is you can always improve your financial situation and save money, rather than needlessly wasting it all the time.

Writing down how much you spend daily can put things in perspective for you. If you are writing things down in a journal and you slack off it will never work for you. Instead, create a big chart or board at home and use that to list all your expenses. You will look at it every day and be reminded of what you need to do.

Bring a small envelope whenever you leave your home. Use it to preserve any receipts or business cards you receive. It’s important to keep these things for future reference. These may come in handy, especially on the off chance that you end up double charged.

Talk to your bank to see if you can set up a plan that automatically transfers money into your savings account every month. This can be a great way to save money. It’s extremely helpful if you have an expensive life event that you’re saving money for, like a vacation or a wedding.

If collection agencies are constantly contacting you about your unpaid debts, it is important for you to know that debts eventually expire if they remain unpaid for a specified period of time. Talk this over with an expert, and see if you can find out when your current debt will expire. If you can get this information, do not pay a dime to any collection agency.

Use compact florescent bulbs in place of incandescent bulbs where you can. By replacing your bulbs, you will pay less on your electricity bills and be less of a burden to the environment. CFL bulbs have the added benefit of lasting a much longer time than traditional bulbs. You will end up purchasing fewer bulbs and therefore saving money.

Now that you have read the above article you should know good ways to save money, even when unexpected crop up. Be patient with improving your finances as it could take some time. It is like weight loss; it does not happen overnight. Be consistent and responsible and your situation should improve.