The U.S. economy isn't that hot right now and when you worry about your money, you're not alone. In fact, millions of Americans are in the same shoes as you. Since every penny counts in today's world, it's important to know some of the few saving money tips that can save you a few dollars every month. Remember that every penny counts! Here are some steps you can take in order start saving money.

The electric bill – If you don't have a digital thermostat, I suggest you get one. Once you get one, set your heat or air down to a low or high rate when you're at work. There's no reason to have the house at 70 degrees when you're working. Instead in the summer, have the house at 80 and turn on the air conditioning when you get home. The same goes in the winter, when you're not home or even sleeping, lower your heat and just pile up the blankets! This alone can save you a fortune during the month.

Use coupons – Every time you grocery shop, hop on online coupon websites and see how much you can save. Some grocery stores will even provide you with simple and cheap meal creating ideas. Your dinner meals can be made for less than $10. Don't believe me? Do some research online and find out for yourself!

Don't eat out – Eating out is fine but with a family of four, you're spending way too much. Instead, try and limit your eating out. If you only eat out once or twice a month compared to five times, you're already saving a hundred dollars. Sure, it can be convenient but if you want to save money, don't eat out, it's that simple.

Limit your driving – Gas prices aren't cheap today. Instead of making ten trips a week, condense to a few trips. Do all of your errands at once. So when you need to grocery shop and go to the doctor's office try and do it all in one day. This way you're saving on gas and you're save your car some troubles. It's always best to create a plan and stick with it.

Just watch your finances – Each month, write down everything you spend a dollar on. At the end of the month, look back and see what you're spending your money on. Are you eating out instead of packing a lunch? If so, cut that out. There are so many things you can cut out to save money on. Just because you're cheap, it doesn't mean you have to live a cheap life. There are many ways to have fun while saving money!

Saving money is so easy and no one cares what you look like or what you drive. You're saving your wallet and family money. The more money you save, the earlier you can retire. Don't work 10 extra years just so you can show people that you drive a BMW. Saving money is easy. It just takes discipline and action.