So how do I find ways to save money? There are several actually.

1) I got an online high interest savings account with FNBO (savings #2). They originally had a promotion with a 6% interest rate. They have since reduced it to 5.05%, but still that is very good! I am very happy with them. I am now using this account to rebuild up our emergency fund. My original savings account (savings #1) is only used to pay the automatic mortgage payments.

2) I have been rounding up all my purchases to the next dollar. I use Quicken to keep track of my spending and with it you can set up new accounts. I've set up one called "Round up from Checking", which is where I transfer this round up money every purchase. At the end of each month I transfer what is in it to my online savings account.

3) I receive a disability check every month from the VA for my military injuries. This is tax-free money so that gets transferred now into my new online savings account every month also. It isn't much (darn red tape ), but it adds up each month. I had it going into my savings #1, but I don't like when I get lazy and fall back on it as part of my mortgage payment...so out it goes every month to earn some interest!

4) I joined MyPoints, Lightspeed Panel, Opinions Outpost, et cetera. I have received a couple of small checks from the last one already. I don't have as much time as I'd like to make more. With the first two I am able to get gift cards. I usually get ones for gas or fast food places and give them to DH to offset some of his daily work/commuting costs (he travels 57 miles one way to work each day). It's not much but every little bit helps.

I cannot think of any more right now. I'm pretty sure there are more, but you know they get to be habit and then I take them for granted. I'll update if I think of any.

UPDATE: I remembered another thing I am starting to do to save/earn money.

5) I am starting a pile for yard sale stuff. I have a huge amount of stuff in my garage for a yard sale I plan on having in the spring. I also have put aside some items that I feel I can make more on through eBay. Unfortunately, I don't feel very comfortable selling on there. I've sold books and movies on Half.com (an eBay subsidiary), but larger and/or more fragile items I have a problem with. I may bring them to the eBay store and let them handle the sales and shipping after the holidays.