There are thousands of ways to cut your expenses. The best place to find ways to do this is to visit my Budget Stretcher Partner sites. Here is a list of some of best money saving sites on internet:

TheFrugalShopper.com http://www.thefrugalshopper.com GreedyFools.com http://www.greedyfools.com/affiliates.php?partner=BudgetStretcher BetterBudgeting.com http://betterbudgeting.com Debt Smart http://www.DebtSmart.com The Stay-At-Home Parents Page http://www.geocities.com/sahmlomano/index2.html Brighter Futures http://www.brighterfutures.com FreelanceByU http://www.freelancebyu.com Tidbits from Pantry http://www.humansrv.net Usave2day.com http://www.usave2day.com MoneyMakingMommy.com http://www.moneymakingmommy.com You Save On Taxes.com http://hop.clickbank.net/?terryrigg/wmdctp Abbys Good Stuff for Free http://www.anycities.com/abbys Freebie Haven http://www.121fun.com

If you have a family your next problem is going to be how to sort your money. When you have your list of expenses you will need to assign responsibility for each of those expenses to a member of family.

I wrote another article that explains this process in detail and provides specific examples of how to sort your money. You can see this article by clicking on below link:

http://www.homemoneyhelp.com/articles/sortmoney.html

As with anything else you will need to make adjustments. Even if you decide to keep a ledger to track your expenses circumstances change and you will need to adjust these figures as well.

Knowing how much you spend is important, however, it is not as important as having money to cover your expenses. If you have what it takes to keep track of every penny you spend I would recommend that you do this for a couple of months and use these figures to help you set up your household budget.

If you have tried using a ledger and find that it's just to difficult I would use method I've just covered.

The main reason budgets don't work is that they are just too hard to keep up with. By setting up your budget to be as simple as possible you are increasing your chances of making it work.

Each section is jam-packed with cost-cutting ideas for baby showers, back-to-school needs, dinner parties, gift giving, auto maintenance, home cleaning, dining out, laundry, family trips.... Basically, Deborah Taylor-Hough offers money-saving solutions for every aspect of your life.

Frugal Living for Dummies is an essential reference for your family collection. This book will make a practical and thoughtful gift for young couples just starting their lives together, college students on their own for first time, single-income families, new parents, and anyone who needs proven ways for cutting costs while keeping their sanity.

A must-have guidebook for novice penny pincher as well as seasoned dollar stretcher.