If you are in a funk thinking about job losses, mounting federal deficits or prospects of inflation, then start focusing on things you probably have more control over.
 
Like ways to save a buck.
 
People usually find it easier to save a buck than to earn it. Fortunately, there are great money saving Web sites and tips to help you do just that-
 
BillShrink helps you save money on your everyday bills.
 
They tout that they “save the average user $1500 and continually provide money-saving recommendations through timely email alerts.”
 
Start by answering questions such as how much you currently pay for phone service, if you have a savings account, and how much you pay on your credit card.
 
BillShrink then searches all possible data point combinations to find you the best savings.
 
Then, with their personalized alerts, you will be notified of changes in prices and options that will save you money.
 
Yahoo! Is the second most popular site on the Internet after Google.
 
On its Finance link, you can easily see market movers, get tips on investing, or discover practical money saving “how to…” articles.
 
Find popular finance searches to see what’s on other people’s mind, or glance at average rates for mortgages, savings, auto or credit cards.
 
Run your “what if…”analysis using their financial calculators licensed by CalcXML – the parent company of HelpMeFinancial.
 
Google may be your best friend, of course.
 
Simply type in what’s on your mind like “How to save money”, “Cut household expenses” or even “Hold yourself accountable on a budget”.
 
I searched for “money stuff” and the “Howstuffworks” came up.
 
Their “10 Tips for Staying on a Budget” will help you pay off credit card debt, pay off loans or save for a child’s education.
 
Managing your budget can relieve financial stress on your marriage and make your life better all around.
 
So tap into the “wisdom of crowds”, gain practical advice, and resolve to make your money work for you.
 
Forget starting on Jan 1, 2010. Get started now so when the new year ushers in, you already have some momentum for those New Year’s – Financial – Resolutions!