I don’t know about you, but I’m always on the lookout for new and ingenious ways how to save more dough especially with all the crunch that we’re experiencing. We might have touched on these points one way or another before but revisiting them surely wouldn’t hurt. For all the people out there who are bleeding cash, read on.

Make a list of the things you regularly spend on. Knowing where your money should go will make you more conscious about spending on things not on the list, such as impulsive shopping, expensive meals, or even lending money to friends. Meet these constant obligations so you can see how much money you have left which you can either save or spend anyway you like.

Don’t be brand-conscious. People who are brand-conscious prefer more expensive brands because they say the quality is not comparable. Fortunately, more brands have made its way in the market so it’s not true anymore. If you explore the whole shelf for, say, soap powder, you’ll find that there’s a lot of cheaper and not necessarily less quality brands.

In addition, for errands like groceries, you can buy in bulk because it’s cheaper than retail or in times when you’re short on cash, you can wash your own clothes.

Make an appointment with your insurance agent and inquire about the possibilities where you can save. Insurance coverage can save you from a lot of trouble. But the cost is also eating part of your budget. To compromise, ask your agent where you can get discounts or savings. Explore all the options. Agents are surely looking out for ways to get the most buck out of you so be on your toes. Read the fine print.

Invest on equipment. Getting a home entertainment system could be wiser rather than spending loads on premiere night tickets. You can rent in movies instead for your movie nights. And if you’re just home alone or on the cheap, that system might as well be your computer - the best multi-tasker of all

You may not notice the charges, but ATM transactions with other banks decrease your savings account. As much as possible, use your own bank’s ATM.