General • Save your loose change. Putting aside 75 cents a day over the course of a year will allow you to save nearly $275 per year. • Keep track of your spending. At least once a month, use credit card, checking and other records to review what you’ve purchased. Then, ask yourself if it makes sense to reallocate some of this spending to an emergency savings account. • Curb impulse spending. Think over each expensive purchase for at least 24 hours. Food • Eat out one fewer