We could all use a little more money at the end of the month. While not all of us can go to our boss and just ask for a raise, but there are severalways togive yourself a raise.

Create a budget

Before you can rein in your spending, you have to know where you're spending it. For one month, track all spending.

One way is to manually track all spending by saving receipts and writing it down onpaper or in an Excel spreadsheet. The other way is to track all spending using a smartphone app like Mint. The Mint app will sync with all of your bank accounts, track your spending and display your expenses in easy-to-read charts.

It automatically categorize your spending into groups like groceries, gas, and more.

Once you see where your money is going, you can start to trim those excess expenses. Many people are shocked to see where they are overspending. There are plenty of areas that are easy to cut back. Things like coffee runs, multiple nights ofgoing to the movies, and spontaneous shopping sprees are easy to eliminate from your monthly budget.

Dining out the smart way

Food is one of the largest portions of any budget. Americans spend a lot of money on groceries and eating out. One of the best ways to save more money every month is to trim your eating out budget. That doesn't mean that you have to cut out restaurants, instead you can besmarter about your restaurant spending.

If you have kids, one of the easiest ways to shrink your food budget is to look for kids eat free nights. Hundreds of restaurants across the country have special nights when kids can get a meal for free or a reduced price. These nights can save you $10-$20 every time you go out to eat.

No kids?There are still a few simple ways that you can save money at restaurants.

Instead of waiting until evening, take advantage ofearly bird specials. These specials aren't only for retirees; you can enjoy the savings too. Going with a spouse or a friend? Split an entrée. Most restaurants have huge portions, not only will sharing save you money, but it can also help slim your waist line.

New insurance quotes

You might be surprised to hear that insurance is anarea that you could save hundreds of dollars. The majority of people buy a life insurance policy and forget about it until it's time to renew it or drop it. But forgetting about your life insurance policy could be one of the worst things you do for your bank account. Depending on your situation, you could save a lot of money on a life insurance policy.

If you don't have a term life insurance policy, you're probably spending too much. Term life insurance is one of the cheapest types of policies for life insurance coverage. Getting a new quote on life insurance is easy, you can get a quote in just a few minutes.

Cash envelopes

Having problems sticking with your budget? Cash envelopes can fix that! The cash envelope system is simple, at the beginning of every month take out cash for each of your budget categories and place it in a labeled envelope for that category. If you go to the grocery store, only use the money in your grocery envelope. Goingout to eat? Use the money from your dining out envelope. Once the money from anenvelope is gone, simply skipdining out.

Consolidate debt

Amountain of debt can put a serious strain on your bank account. The average American now holds over $15,000 in credit card debt. This doesn't include mortgages or student loans. With all this debt, it can be difficult to cover your necessary expenses, but you can reduce some of the pressure from these debts.

Consolidating credit card debt could save you thousands of dollars during the duration of your loans, especially if you have a huge credit card bill. Consolidating your credit cards is easy and could save you money on interest rates. Aside from the money it will save you, paying only one bill instead of four is much easier to manage.

Using these methods will hep you get control of your money, get rid of debtand reduce your stress levels.

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