18 Practical Ways to Reduce Expenses to Save

August 3, 2005

For the average middle class employee (like me), who works to sustain my monthly expenses plus other miscellaneous expenses that come up from time to time, it is very difficult to a allot a portion of his income to savings. I envy those who started saving at an early stage in their life. Probably the moment they have their first salary in their first job, and continue to do so until now. Yes, you are lucky indeed. For you have the discipline not to spend everything that you earn. (more…)