Cutting down on household expenses can help you stick to your budget. Here are some ways to make every penny count:

• Save money on grocery bills by planning your meals ahead of time and using a grocery list
• Buy items in bulk at warehouse clubs and discount stores
• Save money on heating costs--lower the thermostat at night and while you're at work
• Save money on phone bills--shop around for a cheaper long-distance plan
• Avoid accumulating high-interest debt--cut up your credit cards and use cash instead