6 Mostly Painless Ways to Save Money

Saving money requires one of two things: You can either earn more money and stash that extra income, or you can spend less of what you currently earn. The latter is not a fun prospect for most people, because cutting your spending generally requires some lifestyle changes.

Most people don't have big expenses they can easily trim from their budgets. If you bathe in champagne and live on caviar, then you have two obvious ways to start saving more money. For most people, though, meaningfully cutting their spending involves some meaningful sacrifice.

The ideas below may not all work for you, but the spirit of them can apply to many of your expenses. These are practical ways anyone can save a little more money without feeling the pain too much.