Do you take the time to stop and plan out your finances for each month? If not, now is the time to start doing so. Over the years, my husband and I struggled to make ends meet. It was not until we began getting serious about our financial future that we realized how much money we were wasting on things we really didn't need. Since then, we have managed to work with a financial planner to create a beneficial financial plan for our future. The money that we were wasting is now being put into our retirement fund and actually helping to earn us a little more for the future. Use our tips to find ways to save today for your use in the future.