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This is Optimal Finance Daily.

Seven money saving tips you should already be following.

By Melissa Lobo with Moneyminiblog.com.

Trying to save money in today's economy can be difficult.

With many people living from paycheck to paycheck, there's often no such thing as extra money.

But to survive in the long run, you need to save, right?

Keeping that in mind, we'll discuss a few ways that you can save money. But to survive in the long run, you need to save, right? Keeping that in mind, we'll discuss a few ways that you can save money, even if you're on a tight budget. Number one,

save two paychecks a year. Let's say you're paid every other week. Most months, you'll receive

two paychecks. However, at least two months out of the year, you'll receive

three paychecks. A good way to save money is to treat these third paychecks as a bonus.

Chances are, you can get by fine without using this check for anything.

So instead of spending it, take this third check and place it in your savings account.

By the end of the year, you'll have saved at least two paychecks worth of funds.

This will be one of the biggest ways in which you'll bolster up your savings account,

even if you're on a strict budget.

Number two, reduce your cell phone bill.

...