Savings seems to be in everyone's mind these days. Here are some tips to help you save more effectively: 1. Crunch numbers-Make a detailed budget, that way you will be able to identify where your money goes to and if possible what other expenses you can cut out to save more money. 2. Don't add expenses, subtract or substitute-If there are new services or products you want to add to your budget think of subtracting something from your budget in place of it. If you want a mobile phone but already have a landline take the landline out of the equation and just keep the mobile phone. 3.Consider online savings accounts instead of using your local bank-Interest rates are higher with online banks than brick and mortal ones. Can you share your savings tips?