Each month you should try to look for a way to save money in all categories, but especially these four. Here are a few money saving ideas for you. 

• Food: Make a list and stick to it. Estimate the cost of items onyour list BEFORE you leave the house to go shopping. It may take a little more time, but you will save money!
• Personal: Shop for toiletries carefully. Look for special reduced prices. Often drug stores may care the same or similar items your looking for at a cheaper price than grocery stores. 
• Clothing: Reduce the number of garments the require dry cleaning. Use the delicate cycle on your washer
• Insurance: Shop for the best deal. Use the internet to look for competitive rates!