PLUS GaelY Says: January 20, 2009 (3:01AM) An economy like the one we have to deal with these days can push people to desperation, and a lot of normal folks turn to a payday loan when they might not have before. However, it doesn't have to be that way. One of the best ways to get a little more cash in your pockets is to give your weekly or monthly household expenses a little overhaul. In financial planning, costs break down into two categories – fixed costs, or what expenditures are the same amount every time, such as a mortgage or car payment and insurance, and variable costs, or what fluctuates. On the increasing of litigation of financial services companies and insurers, credit crisis has found out. By these issue, we have to say that we must exercise financial planning for us to be able to save more money for this times of financial crisis. The biggest variable cost that people have is food. This is one where you can easily start saving money, and buying in bulk on items that you use a lot of. Also buying generic instead of name brands puts you in the right direction quickly. Planning your meals around cheaper staple foods like pasta, or rice and beans will help out as well. You can read the two part article yourself entitled "Grocery Shopping for Big Savings" on the payday loan money blog at personalmoneystore.com.