12 ways to save, even if money is tight

In 2008, I lost my job under some of the worst circumstances. Not only was the US in the middle of an economic recession, but I was also three months pregnant with my first child. What I was lacking in income I was forced to make up for in creativity. By making a few changes to my spending habits and saying goodbye to a few unnecessary expenses, I was able to pay my bills and even put aside a few dollars for a rainy day.Here are some easy ways to save money even when finances are tight.Have fun for free.Not having a lot of disposable income doesn't have to mean you can't have fun. You can still enjoy museums, galleries, and music in your city. Keep track of the free and "pay as you wish" days at your favorite local cultural institutions. A quick online search can give you access to all of the free entertainment options in your area. Keep the change.Dig deep into your pockets and between the seats of your car to collect those random coins. And, start emptying the coins you find in your wallet at the end of the day into a jar. The money you save can be used for a vacation, holiday gifts, or an emergency fund. Invest in a budgeting app.If you're having trouble keeping track of your finances, budgeting apps are a great way to keep all of your financial transactions in one convenient placeyour phone.Apps like Mint and PocketGuard are free to use and they allow you to link accounts and credit cards in order to keep track of your spending and help you to stick to a budget. They'll even send you alerts when you've spent too much.See the rest of the story at Business Insider
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