Saving Strategy #8   Save with coupons. When you redeem coupons or shop sales, don't spend what you save, save it! Soon you will have enough money for a cruise, jewelry, or whatever you have yearned for.

Saving Strategy #9   Save with mutual funds. Ask a quality mutual fund to draft money directly from your checking account each month. This is an excellent way to invest, and you will be less likely to sell mutual fund shares than to raid your savings account.