Manage your money better to save more

The oft touted reason for your savings being lower than what they should be is that your income and expenses just don’t allow for any savings. But saving is not only about cutting back on living expenses so that you can save and invest. If you look carefully there are many choices that you can make in the way you manage your financial affairs that can be improved to help save money. Know what you want and then evaluate options, costs and vendors so that you get what you need in the most cost-efficient way.