well for managing money there's always sales && coupons everywhere you look
also if you look online you could probably find a super couponing class in your area.....my bf's mom took it && came home the next night with like 20 gallons of ice cream for $2
as far as saving money.....the only lesson I've learned is don't give control of the money to the boyfriend! (unless your the compulsive spender in the relationship) lol if you are a compulsive buyer then yeah just give your money to your boyfriend or someone else to hold on to

my mum always says about looking at your finnances, writing it all down, and working out, whats coming in and whats going out, then u know exactly what you can and cant spend and if u have some left over for saving. and if u have trouble with your maths or anything, dont be afraid to ask for help. and in the end, just control what you buy, if you dont need it, put it on ur birthday list? haha hope this helps =]

watch out for the sales that really matter... don't get sucked into sales or bargains that really aren't bargains at all --- pay attention to what things cost. keep a notebook ledger or something physical where you keep track of all your spending you know plus and minuses (even though you have an internet account if anything happens you have something to show lawyers cops feds ur bank office & the like in your handwriting [not typed]) ((i know its weird but thing in the end of the world, worse case scenarios kinda thing... anything can happen at any time)). see what receipts or such you can keep to get back when you do your taxes... budget budget budget!!! save for those expensive things to treat yourself and only buy what you know you can afford. you have to admit to yourself yes i love those jimmy choos BUT i can't afford them right now. you need money for rent bills and food and use store sales to get clothes when you need them... there will come a time when you wont need to worry so much but you gotta live in the here and now... also credit cards... need that credit to get a car and a house when the time comes just make sure you're not charging things your budget won't allow... ((remember to keep track of those charges & set aside the money even though the credit card doesn't take from your bank account right away-- if you bought that macbook for $1200 with your amex you no longer have that money)) you'll feel those things later on in life... like my family did when bush got elected and my father was laid off for 6 months... proof that you gotta be ready for anything!!! with all of the crazyness in the economy you gotta be ready!!! you get laid off from your job at anytime for no reason other than cutbacks also see if there's anyone you can talk to about investing and about investing wisely... its the sophisticated way to gamble... its a risk but done wisely might pay off later on... and you're not helpless! you can be savvy about investing and stock funds and all that stuff dont rely on your man because the man just might mess it up... also put money into a savings account that can grow and give to that account at least once a week if you can not alot like 10 or 20 dollars... that money adds up.. also put your small bills like ones & ur coin change from your day into an emergency jar... never know when that will come in handy!! well thats everything that i cant think of... wow knew more about money than i thought i did XD

Happy New Year! For those who have resolved to save more money, I created this blog post on my website, Geekette Bits:

http://geekettebits.com/save-money/2010-new-years-sales/

I have listed 32 retailers with links to their deals (including promotional codes if needed) and sorted by expiration date. Some end quickly but others last through the month of January! :)

Ace Hardware
Amazon Video
Banana Republic
Coldwater Creek
Cole Haan
Delias
DKNY
Dockers Online
DSW
ESPRIT
Frederick’s of Hollywood
Godiva Chocolate
HP
JCPenney
Jelly Belly
L.L. Bean
Lego
Lucky Brand
New York & Company
Office Depot
Old Navy
Pac Sun’s
Payless Shoes
Pizza Hut
PreNexa
Sears
Time Life
Vera Bradley
Victoria’s Secret
Walgreen’s Photos
White House | Black Market
Yankee Candle

Let me know and check them out, I frequently post deals I find!

Here are a few pieces of advice that I wish I had gotten when I was younger...

1. Save. That is the number one piece of advice that I wish I had received when I was young. Make sure you have plenty of money in your savings account before getting a credit card or making a big purchase. I maxed out five credit cards because I looked at them as free money and hurt my credit severely. I was never taught how important earning and keeping my money was.

2. Just because something is on sale doesn't mean you should buy it. If you really want it, go home and sleep on it. If you are still thinking about it in the morning and KNOW you can afford it, buy it. I have made way too many impulse buys that have really hurt me, even something as small as $10.00.

3. After almost 7 years on my own, I'm learning about coupons, which are amazing. Coupons.com and Sayvings.com/grocery are a few of the sites I've learned about. Also, Restaurants.com. You can get $25 gift cards for $10. Just be careful of the requirements with those.

I hope this helps. Just remember that what you do with your money now will effect you in the future. Make sure it's a positive effect. :)

This is a huge topic and it's totally awesome you are thinking about it NOW instead of when it's too late.

1. Do anything humanly possible not to get a credit card. 99% of us can't handle it, I know I can't. Once you start relying on credit cards, it gets really out of control and becomes an addiction. Before you know it you're charging groceries and medical bills and it's a disaster.

2. Focus on making more money instead of cutting costs. Consider freelancing, tutoring, doing alcohol promotions, or having a fun job to meet new people and make ends meet. Use this money as your play money, and save and pay bills with your day job. It's worth it and will likely lead you to a bigger network and future career opportunities.

3. Start contributing to your 401k right away. Think of it like taxes- mandatory. The earlier you start saving the more it will compound and the more you will get used to savings as a habit.

4. Don't try to live a big grandiose life just because you have a job It's totally OK to live at home for a while, wear an old purse, or decline an invitation to a fancy dinner to save cash.

5. Always focus on YOU and what you want to accomplish. It's really easy to get sucked into going out, shopping, and boys if you don't keep the focus on your carer goals.