Keep more of your money - you should be in the future for a rainy day!

With rising energy and food costs out of control there seems no way to make the budget stretch far enough these days. Fortunately, there are things that every family can do - simple ideas to save money - that can help your budget stay the course even with rising costs. Here are some great ideas for simple ways to save money.

1. Get rid of your landline
. Most homes have multiple phones. If most members of the family has a cell phone, you still really need a standard landline phone? It may seem difficult at first, to give the old stand-by, but times have changed and this is a time that the change could help keep more of your money.

2. Carpool to work. This is an idea whose time has come clear and unambiguous. Not only will carpool to reduce their monthly gas bill, but if you let your insurance agent know that you are carpooling, you can save another small fortune on your car insurance. This should also reduce the repair bill.

3. Review all your insurance policies. This includes auto, home, life, health and any other policy you have. If you have not already consolidated all its policies in the same company, this could save some serious cash each month. But even if you are already receiving the discount on the multi-policy, simply review each policy in order to save money - you could save 20% to 25% discount on their monthly payments. Do you consider a higher deductible and reduce your bill.

4. Smart energy use at home. Time to make a real effort to turn off lights when you leave a room. Unplug the electronics are not using. Do not let children stand with the refrigerator door open casually looking over the entire contents of your refrigerator (the refrigerator uses about 20% of the electricity in your home).

5. Do not let your car engine idle for more than 60 seconds. If your car was built after 1999, it takes less fuel to start the engine than it does to let it idle for more than 30 seconds.

6. Do you really need all those cable channels? Sure, it's good to have hundreds of cable channels, but ask yourself how many channels you really see. If you are honest with yourself is probably much less than what you are really willing to admit. You can save money each month by changing the basic premium.

7. Coffee to go. A thermos of your home will help you keep more of your money each month. Luxury coffees cost more than $ 5 each! It only cost a few cents to bring your own! I can bring my two cups to work every morning (one drink, one later overheating).