Is your pay day check negative always? Don’t bother; there’s a key. Here’s what you need to do to put another dollar in your pocket here and there. Staying out of debt is a big part of building a savings. Here are a few more of the little things you can do.

1. First Thing. Draw up your current budget:
2. Turn off the lights
3. Downgrade your phone services
4. Enroll in cost saving programs
5. Open a window; take advantage of the Mother Nature and fresh air.
6. Plant a tree
7. Shop around for the cheapest gas for your vehicle.
8. When buying a car shop for gas mileage
9. Find the shortest route when driving
10. Take a walk
11. Buy in bulk when you do grocery
12. Don’t shop on an empty stomach: Everything looks good when you’re hungry.
13. Grow your own food
14. Limit yourself: Avoid making restaurant visits an everyday event.
15. Bring leftovers home
16. Drink water: Save a few dollars on your bill by drinking water instead of soda or alcohol.
17. Distinguish between needs and wants
18. Look for sales when shopping
19. Shop online: The Internet offers many items used or at a discount. Try to find sites that offer free shipping.
20. Head to the second-hand and surplus store
21. Consider alternatives. Expensive does not always equal quality.
22. Avoid fashion trends.
23. Check out the local art scene: Poetry readings, art openings, high school plays, and community theater programs can be fun and inexpensive.
24. Watch for free events
25. You can get into enough trouble with one credit card; don’t compound the risk by buying more.
26. Use credit cards for emergencies only.
27. Get a low interest rate:
28. Keep less money available
29. Attend Church Service
30. Get active in church activities and outreach.