Saving money is a challenge.  It’s a bigger challenge if you are broke.  What’s more frustrating is everybody who’s broke can tell you how to save and spend your money.  I always get a real kick out of that.  Times are hard, according to rich people. On the other hand everything is normal to the non-rich.  My goal is to save money this year. The first thing I did was sought the advice of someone that has saved money. The most valuable advice I got was to read.  I took that advice and I found so much good information on saving and spending money. I would like to share this valuable information with you. Save money even if you are broke