2. Stick to a Budget
Budget software, from Snowmint Creative Solutions (snowmintcs.com), can keep you out of money hell.
Unlike most money management software — which tracks your expenses and balance after you've spent your grocery stash on, say, a smartphone — Budget sorts your income into virtual "envelopes," so you can immediately see how much you can spend in each category.
When you pay a bill or purchase something, the amount is subtracted from one of your envelopes (split transactions are possible), and everything is updated to show your current balance by category. A lot easier than opening up real envelopes and hoping there's enough inside, right?
$29.95 for CD (Mac or PC).
Tip #3: Save on Groceries