Ever wonder how quickly you pull money out of an ATM to only find out, several days later or even hours, your wallet's empty again.  Try these simple tips to keep money leaving your wallet.

• Create a daily, weekly, monthly expense log.  Track your expenses in the log to see where your money is going.
• Review your log to see where you can cut out unneccesary expenses
• Skip on spending for unneccesary things (new shirt, jeans, video game, etc.)  Wait for xmas or your bday.
• Pass up on the fastfood.  Start packing lunch instead. 
• If you are going to have fastfood, ditch the drink.
• In a parking lot, dont waste time circling to find a spot close to the building entrance.  Just find a spot and walk. 
• Stay away from the unhealthy snacks and soda.
• Eat at home for dinner instead of going out.
• Look for sales/coupons but only purchase items you need.  Just because there's a sale on ice cream it doesnt mean you have to go out and buy it.
• Limit your driving.  Carpool if possible.  Walk/Bike if possible. 
• Try to perform your errands on one driving run instead of several. 

Its that time of the year again.  Valentines (V) day.  Out of ideas?  Here are some simple ways to express how much you care: 

• Make breakfast for her/him
• Pack lunch for her/him
• place post-it love notes in their bag/lunch/jeans
• Send them a V e-card
• Create/cook something new together
• Get him/her a V card
• Recreate your first date
• Be creative and write a V card
• Send her/him a V text early in the morning
• Create a dinner/dessert menu together
• Make the dinner/dessert together
• Take him/her out for ice cream
• Win her a stuff animal
• Take the day off together
• Be thoughtful to one another (simple chivalry..open doors, pulling out tables, compliments)
• Tell him/her, I Love You

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