Saving money can often be challenging and finding ways to cut spending is difficult when money is tight. Check out these 3 tips to cut spending painlessly:

• Keep a careful record of ALL you expenses for a month. You might be surprised at how much you are spending on small things such as a daily latte or snack.
• Comparison shop for necessary purchases (food, transportation, insurance).
• Limit spending for birthdays and holidays. A few well-chosen gifts are likely to be more appreciated than a more costly pile of thoughtless gifts.

Today’s savings tips are brought to you by America Saves!