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If you have a flexible spending account, use it. If you come across a medical expense, or have to pay something like a child's daycare bill, you can use your flexible spending account to save money. These types of accounts allow you the ability to set aside money before taxes to pay for these expenses. You should talk to someone who does taxes to find out what all is involved.
Just as you know, saving money is not always easy. There are many factors promoting excessive expenditure of money. These make it very hard to save. Apply what you've learned from the article above, and start saving money that will make a difference in your quality of life.

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Your credit score might even dip a bit when you first start working on it. This is not an indicator that anything you have done is wrong. Keep adding good information to your credit report and you will see your score go up over time.
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