1. Saving and Investing on a Shoestring: Finding Money to Save Debra Pankow and Marina Serdiouk

2. Finding money to save TipMonthly Saving Save 50 cents a day in loose change$15 Cut soda/pop consumption by 1 liter a week$6 At work, substitute one coffee for one cappuccino$40 Bring lunch to work (saving estimated at $3/day)$60 Eat out two fewer times a month$30 Borrow, rather than buying, one book a month$15 Comparison shop for gas (save est. 25 cents/gallon)$4 Maintain checking account minimum to avoid fees$7 Bounce one less check a month$20 Pay credit card bill on time to avoid late fee$25 Pay off $1,000 of credit card debt, reducing interest$15

3. You can find money Food Clothing Transportation Personal habits Housing Managing money

4. Food Planning Shopping Spending Eating out Safety

5. Clothing Buying/swapping Caring

6. Transportation Maintenance/care Purchase Driving habits Alternate transportation options Vacations/travel

7. Personal habits Bartering skills and talents Uses of services Time management

8. Housing Household equipment and tools Home repairs and maintenance Use of utilities Energy conservation Home purchase

9. Managing money Control impulse buying Shop around and compare price and service Banking Wise use of credit Find and save money

10. You can do it!