Many keep their money in savings accounts and little in checking accounts to maximize interest which is smart. Another way is when you run out of checks, to buy your personal side tear checks direct from the manufacturer. By buying your side checks direct you save in the neighborhood of 50% off that what your bank would charge. That’s savings.

Food prices are out of control and its harder for many to make their paycheck dollars stretch. Gasoline and fuel prices are rising and this winters heating bill may tear and really play havoc with the family budget. I hear tell on the side of a massive pesticide-resistant fungus that is threatening worldwide wheat crops and is in the process of sending food prices sky high. They say that the last outbreak of stem rust in 1954 in the U.S. wiped out 40% of the crop. Developing economical habits will help you pull through in uncertain times.