Let’s face it—some of us have lost sleep over unpaid debts, mounting bills, and tuition increases. You wonder when things will be OK and money won’t be as tight. Sure, you’d like to face your retirement years knowing you need not work because there’s enough money saved in the bank. But how can that happen? What will make it happen aside from a lotto jackpot?

Scroll through our gallery and take note of these 10 tips. They may just save your financial future.

Read these articles for more tips on saving:
(First published in Good Housekeeping Magazine, Money Section as “Karen Galarpe on Managing Finances” on April 2005; adapted for use in Female Network)

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