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In publication since January 16, 1998, The Crusader explores many of the changes needed to reorient our lives and put each of us on the "road less traveled" - the Road to Wealth & Prosperity. Enjoy the journey!

A special thanks to all our subscribers around the world. There are now over 7,000 Crusaders with many more joining us daily. We appreciate the confidence you have placed in our publication and pledge to continue providing you with high quality content.

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To your financial success!
Al Crisp CPA

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Money is a relative concept; there is no more or less to it. The secret lies in managing your money. Even the richest extravagant man may not have enough to deal with an emergency, whereas a poor man, who manages his money well, may smoothly tide over a crisis. Here are a few tips to help you save money for the rainy day. Don't mistake them for strictures in defense of an impoverished lifestyle. On the contrary, they are meant to give you an idea about how you can learn what your money is worth, and acquire a new and beneficial habit.

First of all, buy your essentials from retail outlets or even a flea market where they often hold genuine sales and you can get really good bargains. Avoid the temptation of shopping malls, especially if you happen to be a compulsive shopper. Very often, you buy things you don't really need, either because you couldn't resist the temptation or the salesman talked you into buying it.

Fashion needs victims. So, if you are an easy prey for the latest trends, take a few seconds to think seriously about your money, before buying that garment or pair of shoes that will enable you to keep up with the latest fashion. Surely, the same items with a different brand cost less in other stores; or they will be less expensive at the end of the season.

Dining out every day or weekend can be a huge leak in your pocket from which a lot of money may be flowing. Remember that preparing your own meals is healthier and cheaper!

Surf the web. Use a search engine and discover the number of companies which offer their products at a lower price. By reducing advertising costs, companies are able to give you opportunities to qualify for a discount if you buy their products though their web pages. Anything you like is surely in the internet, from books and CDs,to pieces of furniture.

Second hand items can be useful and cheap. If you use your money to buy old videos, or books, find what stores dealing with this kind of stuff have to offer. Perhaps, you will be surprised at what a small amount of money can get.

Last but certainly not the least, develop the habit of saving pennies; the pounds will follow. Whenever you have coins in your pocket, put them into a moneybox. Coins are not useless money; they will soon grow into a considerable amount of money. When you have to go just a few blocks from your house, do not use your car. Instead, ride a bicycle or walk; these activities are a healthy exercise both in terms of saving some money and providing the necessary physical activity. Remember, money saved is money earned.

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