Reducing expenses is an excellent way to generate more money.  Do a budget and see where your money is going!  How much do you spend on lunches?  Do you smoke?  What if you quite smoking and saved all that money?  What would it amount to?  What if you took a lunch to work instead of spending $5.00 a day on lunches?  What if you took your next raise and saved it instead of spending it?

Download a free excel spreadsheet on personal budgeting.