Sometimes money get's tight and we need to make adjustments with our budgets just to make ends meet, or perhaps saving money isn't as easy as it used to be. Here are a few tips that can help you manage your money.

Combine your cable, internet and telephone service to take advantage of bundled services discount.

Send way for and follow up on rebates.

Pay bills by direct debits to avoid late fees and finance charges.

Transfer your credit card balance to a lower rate credit card, if you have a high rate credit card.

Buy food in bulk and on sale, and separate packages into meal-size portions.

Use the library instead of buying your own books and DVD's.

Bring your lunch to work.

Challenge yourself to save every day -- even if it's just putting $.50 in a jar.

Make savings a bill.

Pay off your credit card in full each and every month.

Drink water, it's cheaper than soda, juice, coffee, tea, etc., and it's good for you.

Pay your mortgage payments bi-weekly.