h1>Budgeting and saving are two big questions for senior women.

Living on a budget is one of the keys to your financial freedom, but how do we do this, especially with this economy in 2011?

In winter especially, fuel bills have become higher and higher, taking up the money that used to be used for savings. It’s easy to want to throw up our hands in disgust. But, all is not lost.

Here are 5 tips to help you save in 2011…

1) Cut back the little things.
You may be thinking that a few dollars here or there every month won’t make a difference, but it does. When you cut back in small ways, it could mean a lot more money at the end of the month.

2) Stop wasting.
This can apply to every area of our lives. From eating out to home heating, waste equals money going down the drain unnecessarily.

3) Cook for your family. Eating out or ordering take out eats up your cash in a hurry. Or, worse yet adds to your credit card bill.

4) Insulation has certain standards that need to be met. Call your insulation installer and ask him to check the insulation in your home.